Car insurance. It’s a necessity, but it can eat up a significant portion of your monthly budget. The average driver in Alberta pays about $1,000 per year for coverage, but many people are paying more than they need to every month. You should always review your insurance coverage annually, to determine whether changes in your life qualify you for lower rates or discounts. Talk with your agent about your policy and the factors influencing your rate, and whether any adjustments are in order. 1. You Recently Had a Birthday It’s well known that younger drivers are more expensive to insure,…